Private Client Insurance

Protecting Private Clients From The Unique Risks They Face

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You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.

Private Client Insurance

Private clients need extra liability protection. When clients have a high net worth, it is important to review all insurance policies to ensure that they and their family have adequate coverage to protect their assets. Prime offers an insurance review along with custom insurance solutions to cover the gaps and exclusions in existing policies, which can provide your private clients with true peace of mind.

As an insurance producer, you can expand your book of business by partnering with Prime Insurance Company to offer customized insurance solutions to these private clients in need of liability insurance. We are a leading excess and surplus lines insurance company that has been providing customized insurance policies to businesses and individuals for over 40 years. Read on to learn more or get started by requesting an insurance quote today!

Who We Can Help

We can help insurance producers (agents and brokers) that are looking to write more business for their clients, including:

  • Private Clients
  • Family Offices
  • High Net Worth Individuals
  • High Net Worth Families
  • Ultra High Net Worth Individuals
  • Ultra High Net Worth Families
  • And More!

Coverage Options

  • TRU Umbrella – schedule any activity or item
  • TRU Homeowners
  • Animal Liability
  • Luxury & Antique Vehicles
  • High Value Items & Collections
  • Recreational Vehicles, Watercraft, and Aircraft
  • Firearms (available in most states)
  • Alleged Sexual Abuse & Molestation Liability
  • Alleged Assault & Battery Liability
  • Directors and Officers Liability (D&O)
  • Professional Liability
  • Personal Liability
  • Property Coverage
  • Specialty Liability
  • Business Operations, Vehicles, and Activities
  • And More


What is Private Client Insurance?

Private client insurance is a specialized type of insurance policy designed to cater to the unique and complex requirements of high-net-worth individuals and families. These clients typically possess a significant amount of valuable assets, such as luxury homes, fine art collections, expensive cars, and other high-priced possessions.

The primary objective of private client insurance is to provide comprehensive and customized protection for these assets against potential risks, such as property coverage, personal liability, theft, and other liability issues. This type of insurance often goes beyond standard policies by offering higher coverage limits, broader coverage options, and personalized services tailored to the specific needs and preferences of the client.

Why Do Your Clients Need Private Client Insurance from Prime?

Prime strives to build relationships with producers and insureds in order to provide each with the outstanding service they deserve. With over 40 years of experience and an AM Best rating of A (Excellent), Prime can provide the right coverage, limits, deductibles, and protection that is tailored uniquely for your private clients.

If your client already has an insurance policy, they might have one that they think provides the coverage they need. However, when a claim arises, they soon discover they aren’t covered. The truth is many insurance companies have gaps and exclusions in their policies that will likely not cover all aspects of the business. However, Prime writes customized insurance policies based on your client’s needs.

With limits up to $10 million (excess available) and in-house services for flexible underwriting, policy services, risk management, and claims management (24/7 claims hotline), your clients will be well protected.

Overlooked Coverage Gaps

Your private clients might have some unique items that typically go uninsured or can they be hard to get coverage for. A traditional policy for homeowners, auto, umbrella, etc. have gaps in coverage or exclusions that are leaving your clients exposed. Our TRU Umbrella policy can fill the gaps and cover exclusions on an existing policy by scheduling any activity or item that needs insurance coverage.

These items can include:

  • Electric Bikes
  • eFoils
  • Hydrofoils
  • Jet Packs
  • Water Sleds
  • Guard Dogs
  • Exotic Cars
  • Boats and Watercraft
  • Aircraft
  • And More

Get a Private Client Insurance Quote

Please note that we do not accept submissions more than 30 days from expiration. When needed, we can provide same-day quotes and proof of coverage, you just need to complete the Insured Underwriting Call and pay the premium to get it done! To finalize pricing we require a phone call with the owner/applicant. Get started with a private client insurance quote today by clicking the “Get a Quote!” button above.

Hear From A Producer

Rick J. Lindsey speaking with partners

“I really respect and admire how you guys at Prime manage your business and claims. You guys follow up and pay attention to details like few other companies I have ever met. I’d love to meet you guys in person one day and grab a bite.

We now work with a good amount of insurance companies, some of them are doing tens of billions of dollars a year in premium…when people ask me which company I admire or respect the most, 100% of the time I always say Rick Lindsey and his team.”


      • Expand your book of business by offering Prime Insurance Company’s private client insurance to your clients who need specialty liability insurance. Prime can help even if your client has been declined, canceled, or non-renewed by another insurance company.
      • Private client insurance is a tailored and comprehensive insurance solution designed for high-net-worth individuals and families, providing extensive coverage for their valuable assets and addressing their unique risk exposures.
      • Prime has everything you and your client needs in-house. You will have direct access to our staff and services including underwriting, claims, risk management, policy services, and more.
      • Prime can write an insurance policy tailored to your client’s needs that actually covers them in the event of an accident, incident, claim, or lawsuit.


Why Choose Prime As Your Insurance Partner?

There are many reasons why you should choose Prime as your insurance partner but here are some highlights: 

Partnership Approach

At Prime, we build trusted relationships and want all parties to be involved. We arrange a phone call with every potential insured to provide fast, flexible underwriting for every client. From our underwriters to our legal team, the insured, and the producers — at Prime, everyone is considered a partner and our processes are designed for the mutual benefit of all parties involved.

“A” Rated Carrier With 40+ Years of Experience

The strength and stability of Prime have led us to over 40 years of experience in the insurance industry. Private client insurance is our expertise!

In-House Teams

We have it all under one roof – underwriting, legal, risk management, policy services, etc. You will have direct access to our staff and services, ready to assist you! We even have an in-house claims hotline if an incident or claim occurs, available 24/7. Prime can write up to $10 million in-house.

Extraordinary Claims Results

We pride ourselves on our ability to handle claims in-house and effectively. Prime’s team of attorneys and adjusters are here to assist you every step of the way. Unlike most insurance companies, Prime fights frivolous lawsuits. We will be by your side every step of the way!

Experts in Insurance Solutions for Private Clients

Prime can help your clients even if they’ve been canceled or denied insurance in the past or have a claims history. We can insure private clients all across the country! Whether your client needs a brand new policy or if they have gaps and exclusions in their current policy, we can write a customized insurance policy to fit their needs. 

Prime has over 40 years of experience, making us one of the best insurance companies for private clients. Many insurance companies are turning away individuals and businesses that are deemed too risky, or, they could be leaving gaps/exclusions in policies that leave the policyholder exposed. Prime takes a more hands-on approach to learn about you, your client, and their needs so we can write a policy that ensures maximum protection.

About Us

Prime Insurance Company is an excess and surplus (E&S) lines insurance company, specializing in property and casualty insurance for non-standard, specialty risks. Prime currently produces in excess of $400 million gross premiums annually. The company writes E&S business in all 50 states and has an “A” (Excellent) rating by A.M. Best*. Prime has also earned a Financial Stability Rating® of A” (A Double Prime), Unsurpassed, from Demotech, Inc.**

Prime delivers coordinated services by integrating expert underwriting, policyholder services, policy accounting, premium financing, risk management, state tax payments, claims administration, and self-insured support program services all under one roof.

*see for latest ratings
**The most current Financial Stability Rating® must be verified by visiting

Ready to Apply?

You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.